3977 MERMOOR DRIVE, PALM HARBOR, FL, 34685
Active1 days on marketListed Aug 4, 2026MLS #TB8535864
About this home
3977 MERMOOR DRIVE
CASH BUYERS come get instant equity. Large 2 bedrom 2 bath Villa with 1 car garage. Amazing nature preserve on you private back deck along with vaulted ceilings make this Villa feel more like a home. BEST price unit anywhere priced well below market value for a quick CASH sale. Short term private financing possible with full price offer and 65k down
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,105
Sqft
0.15 ac
Lot size
1
Garage
1987
Year built
One
Levels
$181
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,885 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,885/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−22%
$/sqft vs BROOKHAVEN
$181 vs $226
Days on market
1 vs 48 typical
Where $181/sqft sits among the 10 homes for sale in BROOKHAVEN
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ridgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ridgemoor — neighborhood snapshot
Population
2,300
Median age
56
Median income
$63,976
Median home value
$392,234
Avg household
2
Households w/ children
228
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
7 of 10
BROOKHAVEN have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3977 MERMOOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$242,000
3454 HILLMOOR DRIVE · same community
2 bd · 2 ba · 1,105 sqft · $219/sqft · 256 DOM
Sold · Aug ’25$233,000
3480 HILLMOOR DRIVE · same community
2 bd · 2 ba · 1,105 sqft · $211/sqft · 209 DOM
Sold · Sep ’25$245,000
4043 MERMOOR COURT · same community
2 bd · 2 ba · 1,105 sqft · $222/sqft · 21 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3977 MERMOOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3977 MERMOOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3977 MERMOOR DRIVE FAQs
What would the monthly payment be for 3977 MERMOOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,885/mo — principal and interest, the actual property-tax bill, the $364/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3977 MERMOOR DRIVE?+
The association fee works out to $364 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3977 MERMOOR DRIVE?+
The most recent tax bill on record (2025) was $1,151. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3977 MERMOOR DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $199,900, this home is listed about 47% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3977 MERMOOR DRIVE?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34685 market on paper
$199,900 is 44% below the PALM HARBOR 34685 median of $359,450, and at $181/sqft it sits under the Palm Harbor average of $273.
02Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 48 — if it fits, move quickly.
03Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MURPHY REALTY · Dave Wonsick. MLS #TB8535864.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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